New Mortgage in Switzerland?
Save up to CHF 25,000 in interest costs with a mortgage broker.
We are former bankers and we know how banks think.
That’s why we negotiate independently with over 30 banks, pension funds, and insurance companies to secure the best mortgage conditions for you.
Whether you’re buying a new home or renewing an existing mortgage, we handle the entire comparison process so you save time, money, and stress.
Lower interest costs: Save up to CHF 25,000 through a professional mortgage comparison.
Complete process: From your initial request to the final bank signature. We handle everything for you.
Free of charge: When you choose an offer from one of our partner banks, we are paid directly by the bank not by you.
100% Passion Guarantee
5 out of 5 based on 109 reviews
A huge thank you to Immano, especially to Mr. Mike Baumgartner and Mr. Tobias Fringeli.
In no time, they found the perfect solution and implemented everything personally, professionally, and with absolute reliability.
They are always available, respond immediately to questions, and you can truly feel that they do their work with heart and dedication.
Competent, friendly, efficient, and trustworthy – simply a fantastic team!
I can wholeheartedly recommend Immano, Mike Baumgartner, and Tobias Fringeli.
It doesn’t get any better – a big THANK YOU for the outstanding commitment!
Jacqueline F.
We had to renew our mortgage. Since we had already used Hypo Hunters in the past to search for our mortgage, working with a company was nothing new for us.
What we particularly liked about Immano – and why we chose Mr. Ismaeli and his strong team – was their promise to find the best mortgage tailored to our needs. Mr. Ismaeli and his team fully delivered on that promise!
Mr. Ismaeli kept his word – always with humor, wit, and, since we already belong to the older generation, I would also like to mention his youthful charm.
Thank you very much for being there for us.
Sincerely,
Eveline & Sacha Wegmüller
Sacha W.
I can highly recommend Immano as a mortgage broker without reservation! From the very beginning, I was looked after professionally and with great care. The friendly manner and solution-oriented approach made the entire process so much easier. It was always clear that my interests came first and that the best team was working on my behalf. An outstanding service that is rare to find these days – thank you very much! 👏🏡
Roman
I never thought a mortgage consultation could be so relaxed and pleasant! From the very beginning, I felt understood and in the best hands. The advice was clear, honest, and tailored to my situation. By choosing from different offers, I not only saved time but also a lot of money in the end. Everything was quick, transparent, and super friendly – exactly how it should be! Absolutely recommendable.
Marc L.
Kundenstimmen sind ein wesentlicher Bestandteil jeder Webseite. Noch besser ist es, wenn sie echt sind und mit den Originalbeiträgen verlinkt sind.
Liam L.
Kundenstimmen sind ein wesentlicher Bestandteil jeder Webseite. Noch besser ist es, wenn sie echt sind und mit den Originalbeiträgen verlinkt sind.
Jan W.
Kundenstimmen sind ein wesentlicher Bestandteil jeder Webseite. Noch besser ist es, wenn sie echt sind und mit den Originalbeiträgen verlinkt sind.
Jan W.
A huge thank you to Immano, especially to Mr. Mike Baumgartner and Mr. Tobias Fringeli.
In no time, they found the perfect solution and implemented everything personally, professionally, and with absolute reliability.
They are always available, respond immediately to questions, and you can truly feel that they do their work with heart and dedication.
Competent, friendly, efficient, and trustworthy – simply a fantastic team!
I can wholeheartedly recommend Immano, Mike Baumgartner, and Tobias Fringeli.
It doesn’t get any better – a big THANK YOU for the outstanding commitment!
Jacqueline F.
We had to renew our mortgage. Since we had already used Hypo Hunters in the past to search for our mortgage, working with a company was nothing new for us.
What we particularly liked about Immano – and why we chose Mr. Ismaeli and his strong team – was their promise to find the best mortgage tailored to our needs. Mr. Ismaeli and his team fully delivered on that promise!
Mr. Ismaeli kept his word – always with humor, wit, and, since we already belong to the older generation, I would also like to mention his youthful charm.
Thank you very much for being there for us.
Sincerely,
Eveline & Sacha Wegmüller
Sacha W.
I can highly recommend Immano as a mortgage broker without reservation! From the very beginning, I was looked after professionally and with great care. The friendly manner and solution-oriented approach made the entire process so much easier. It was always clear that my interests came first and that the best team was working on my behalf. An outstanding service that is rare to find these days – thank you very much! 👏🏡
Roman
I never thought a mortgage consultation could be so relaxed and pleasant! From the very beginning, I felt understood and in the best hands. The advice was clear, honest, and tailored to my situation. By choosing from different offers, I not only saved time but also a lot of money in the end. Everything was quick, transparent, and super friendly – exactly how it should be! Absolutely recommendable.
Marc L.
Kundenstimmen sind ein wesentlicher Bestandteil jeder Webseite. Noch besser ist es, wenn sie echt sind und mit den Originalbeiträgen verlinkt sind.
Liam L.
Kundenstimmen sind ein wesentlicher Bestandteil jeder Webseite. Noch besser ist es, wenn sie echt sind und mit den Originalbeiträgen verlinkt sind.
Jan W.
Kundenstimmen sind ein wesentlicher Bestandteil jeder Webseite. Noch besser ist es, wenn sie echt sind und mit den Originalbeiträgen verlinkt sind.
Jan W.
Through us to
better rates:
SARON-Margin
from 0.65%
5-year
fixed rate
from 0.94%
10-year
fixed rate
from 1.04%
The listed interest rates represent top guideline values.
Your individual rate may vary depending on several factors such as property type, income, and loan structure.
Rates are subject to change at any time. All information is provided without guarantee.
A selection of our
trusted partners
See for yourself how homeowners across Switzerland found better rates, smoother processes, and real peace of mind with our support.
Mr. Betschart approached us because he wanted to buy a condominium.
At the same time, it was important to him to secure the best possible interest rate for his mortgage.
Here’s how we helped him:
Arranging the financing confirmation
Selecting the right mortgage model
Presenting the mortgage comparison
Reviewing the purchase contract draft
Ms. Baschwitz:
"IMMANO provided excellent, competent, and fast service when it came to securing a mortgage with the best possible conditions for my new home. I can highly recommend!"
Arranging the financing confirmation
Selecting the right mortgage model
Presenting the mortgage comparison
Reviewing the purchase contract draft
Do any of these situations
sound familiar to you?
You’re worried about paying too much interest.
You end up overpaying up to 25,000 CHF in interest. Money that could’ve gone toward travel, investments, or your family.
The banking language feels like a foreign world.
You sign something you don’t fully understand and realize too late that you locked yourself into the wrong mortgage model.
You feel lost.
You waste weeks researching online, second-guessing yourself and risk missing out on your dream home because someone else moves faster.
You’re afraid of making the wrong financial decision.
You feel overwhelmed and frustrated and the process drags on for months instead of weeks.
You don’t know which bank to trust.
You either pick randomly or stay with your current bank out of fear. Both ways, you lose negotiating power and pay more.
You’re tired of doing everything alone.
You make rushed decisions out of frustration or postpone everything, losing precious time and money.
This is what happens when
you choose the wrong mortgage.
1
You pay the price for
your uncertainty
You keep asking yourself if your decision was truly the right one only to realize later that you’ve been overpaying for years.
One small mistake when signing, and tens of thousands of francs are gone.
2
You feel trapped
The wrong mortgage model or poor timing can wreck your entire financial planning.
3
You lose control
Every time a new bank advisor takes over, you’re back to square one — and you don’t know who you can really trust.
4
Up to CHF 25,000 in
extra interest costs
With the wrong mortgage, there’s barely anything left at the end of the month. No room for holidays. No spontaneity.
Just bills.
1. Analysis
We review your current financial situation, equity, and existing mortgage. This way, you immediately see what’s possible – and where you may be overpaying right now.
2. Strategy
Together we define which mortgage models (SARON, fixed, or a combination) fit you and your goals. Instead of confusion and bank jargon, you get a clear interest rate strategy.
3. Comparison & Negotiation
We request offers from more than 30 banks, insurance companies, and pension funds, compare them independently, and negotiate the best conditions – while you don’t have to worry about a thing.
4. Closing & Peace of Mind
You get the best mortgage transparent, secure, and stress-free. We guide you all the way to the signing and remain your trusted partner for future renewals or adjustments.
Our Mortgage Packages
First-Time Homebuyers
Find the Best Mortgage
As mortgage brokers compare offers from multiple banks to secure the lowest rates and best conditions for you. Save up to 25,000 Fr. in interest costs.
Protect Your Home & Family (Insurance)
From building to household and life insurance, we make sure you and your home are fully covered.
Finance Renovations
Upgrade or renovate your property with additional financing options directly through your mortgage.
Independent Expert Guidance
We explain every step in simple terms and guide you safely through the entire process.
Refinancing & Renewal
Interest Rate Comparison
We compare offers from more than 30 banks, pensionsfunds and insurers to secure the best rates for your renewal.
Support with Bank Switch
We manage the entire process: repayment, new contracts, and negotiations.
Amortization Review
We analyze your current amortization strategy and show ways to optimize – for tax savings or improved affordability.
Mortgage Increase Review
Planning renovations or upgrades? We check whether an increase of your mortgage is possible and negotiate favorable terms.
Our solutions are for homeowners who want the following:
The best mortgage. Guaranteed to fit you.
We don’t just find any offer. We find the mortgage that truly fits your life situation, your income, and your plans.
Finance with
peace of mind
You understand every step, every number, and every contract. No jargon, no hidden clauses. Just full transparency and security.
Relax your way to
the best solution
We take care of everything. From comparison to negotiation. You sit back while we find the mortgage that truly saves you money.
1. Step:
Complete the form
Click on “Request Consultation” and enter your contact details. This allows us to prepare your situation in the best possible way.
2. Step:
Short phone call
In a short phone call of no more than 10 minutes, we clarify your situation and whether working together makes sense. This call is completely non-binding.
3. Step: Appointment with a Mortgage Expert
If it’s a good fit for both sides, we’ll schedule a meeting with one of our mortgage experts.
There you’ll receive your personal strategy, including a concrete interest rate comparison and clear recommendations for action.
Media – Podcast for Homeowners
As a homeowner, stay up to date on current developments, new legal changes, and valuable tips on mortgages, taxes, renovations, and the real estate market.
We’ll show you the strategies to save money, avoid mistakes, and get more long-term value out of your home.
Handshake quality
With more than 10 years of banking experience, we are proven experts in mortgages and real estate sales.
We negotiate with passion and precision because it’s about big money and important decisions.
This expertise builds trust: our clients know that we love what we do and fight for their interests.
Basel & region
Zug & region
Zürich & region
St. Gallen & region
Bern & region
Luzern & region
Where is our
headquarters located?
Our headquarters are located in Basel.
Thanks to state-of-the-art technology and close networking, we work with banks, pension funds, and insurance companies across the German-speaking part of Switzerland.
A personal meeting on-site is possible, but not necessary. Our consulting and processes are fully digitalized and can be carried out flexibly by phone or video conference.
Your questions answered
How much does your service cost?
Our advisory service is free of charge for clients. We are compensated directly by the partner banks we work with, so you benefit from our expertise without paying extra fees.
Why are you paid by partner banks?
Banks save time and costs because we provide them with pre-qualified clients who match their lending criteria. In return, we receive a commission directly from the bank. For you as a client, this means no extra costs, while you benefit from our expertise and the better conditions we negotiate.
How long does a mortgage comparison take?
An initial comparison can be done within a few hours. With all documents available, we can usually present concrete offers from different banks within 48 hours.
Why not just go directly to a bank?
Because banks only show you their own products. We compare multiple banks, know their negotiation leeway, and save you time, effort, and money.